Cardiac arrests dropped by 17 percent after Affordable Care Act expanded coverage in community study.

increase profits by denying care.

Insurance companies actually deny very little in terms of medically neccesary care. They follow medically accepted guidelines for what services are considered medically neccesary, while also trying to control costs.

If you go to your doctor and say 'my shoulder hurts', he will call the insurance company and ask for approval for a $3,000 MRI. They will most likely deny it saying, did you try an xray first? Did the patient try a week of advil to see if the pain simply resolves itself?

There is a reason why we spend twice as much on healthcare as other countries. It is because of overutilization due to a combination of laziness on the part of some doctors, and fear of litigation on the part of others. Insurance carriers rarely deny services that are medically necessary and accepted by the medical community. What they do deny are experimental services, excessive services, or costly services when there are less expensive treatments that have similar outcome.

Source: My brother is a doctor and works for blue cross. He is a compassionate person and actually cares about patients.

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